JOHN-MICHAEL RICHARDSON
Pensacola,FL
Summary
Customer-focused financial services professional supporting members with mortgage applications, account servicing, and high-volume transactions. Brings strong attention to detail in income, credit, and asset review, plus clear communication when explaining loan options, resolving issues, and maintaining compliant files. Known for accuracy, reliability, and a service-first approach.
Overview
1
1
Certification
17
17
years of professional experience
Work History
Mortgage Loan Originator
Navy Federal Credit Union
Pensacola, Florida
01.2026 - Current
- Guided Navy Federal Credit Union members through mortgage application steps.
- Reviewed income, credit, and asset documents to assess loan eligibility.
- Explained Navy Federal mortgage products and lending requirements to members.
- Advised members on refinancing, purchase loans, and rate lock options.
- Collected signed disclosures and ensured compliance in loan file management.
- Coordinated with underwriters, processors, and appraisers to facilitate timely loan processing.
- Researched and identified optimal loan products tailored to customer needs.
- Kept current knowledge of lending regulations, policies, and procedures.
Member Service Representative (MSR)
Navy Federal Credit Union
Pensacola, FL
04.2025 - Current
- Assist 50+ members daily with deposits, withdrawals, transfers, and loan payments, ensuring 100% accuracy.
- Opened and managed new accounts, guided members on financial products and services.
- Resolved member inquiries promptly, enhancing satisfaction and retention.
- Ensure compliance with security and fraud-prevention protocols.
- Collaborated with team to achieve branch goals and create a welcoming environment.
Bartender
Dave's Oyster Bar & Grill
Gulf Breeze, FL
11.2018 - 01.2025
- Provided attentive service to high volumes of guests during peak hours and events, enhancing overall guest experience.
- Cultivated strong guest relationships, fostering repeat business and loyalty through personalized interactions.
- Streamlined order prioritization and bar operations, effectively reducing wait times for guests.
- Trained and mentored new team members in service standards and compliance.
- Processed cash and card payments, balancing registers with zero discrepancies.
Delivery Driver & In-Store Associate
Hungry Howie's
Pensacola, FL
08.2013 - 03.2016
- Delivered accurate, timely orders with exceptional customer service.
- Processed phone orders, ensuring accuracy and timely service.
- Assisted in food prep and maintained cleanliness to support smooth store operations.
Customer Service Representative
Publix
Pensacola, FL
08.2011 - 08.2013
- Promoted Publix's customer-first culture to create positive shopping experiences.
- Assisted Publix customers with questions, directions, and store policies
- Processed returns, refunds, and exchanges at customer service desk
- Delivered friendly, efficient checkout service and assisted customers with bagging.
- Handled cash transactions, money orders, and lottery purchases
Barista
Coffee Break Café
Pensacola, FL
12.2009 - 06.2010
- Recommended beverage pairings, enhancing customer experience and increasing average sales.
- Prepared beverages and created a welcoming atmosphere for customers.
- Ensured clean, organized café environment to promote customer comfort and satisfaction.
Education
Bachelor of Science - Criminal Justice
University of West Florida
Pensacola, FL04-2017
High School Diploma -
Pace High School
Pace, FL05-2011
Skills
- Mortgage product knowledge
- Team collaboration
- Financial assessment
- Credit analysis
- Policy compliance
- Account servicing
- Customer management
- Member services
- Team collaboration
- Conflict resolution
- Customer service-focused
- Relationship management
- Adaptability
- Relationship management
Certification
- NMLS
Timeline
Mortgage Loan Originator
Navy Federal Credit Union
01.2026 - Current
Member Service Representative (MSR)
Navy Federal Credit Union
04.2025 - Current
Bartender
Dave's Oyster Bar & Grill
11.2018 - 01.2025
Delivery Driver & In-Store Associate
Hungry Howie's
08.2013 - 03.2016
Customer Service Representative
Publix
08.2011 - 08.2013
Barista
Coffee Break Café
12.2009 - 06.2010
Bachelor of Science - Criminal Justice
University of West Florida
High School Diploma -
Pace High School